Find the car you want. We’ll help make the financing make sense.
The Deal
PDCU’s 2026 Auto Loan Special offers rates as low as 4.74% APR* for up to 72 months on new and used vehicles—including older cars. Current members approved for an auto loan can also get no payments for 90 days.
Auto Loan Rates as Low as 4.74% APR*
- Rates as low as 4.74% APR*
- Terms up to 72 months
- Eligible for newer vehicles (5 years old or newer) and used vehicles (older than 5 years)
- No payments for 90 days for current PDCU members approved for an auto loan
No Payments for 90 Days
Sometimes the timing is the hardest part, down payment, registration, insurance, maybe a few upgrades (floor mats are basically required by tradition).
With this special, approved current members can defer their first payment for 90 days, giving you breathing room while you settle into your new ride and new budget.
Tip: If you’d rather start paying sooner, you can, paying early is always allowed.
Newer vs. Older Vehicles
Whether you’re going with something newer or something with a little more road wisdom, we’ll help you finance it the right way.
- Vehicles 5 years old or newer: Great for newer purchases and may qualify for higher financing options.
- Vehicles older than 5 years: Still eligible for financing, just expect loan-to-value (LTV) and rate qualifications to be based on the vehicle’s age and value.
Make the Deal Stronger with Pre-Approval
Want an easier car-buying experience? Get pre-approved first. It helps you:
- Shop with a clear budget
- Move faster at the dealership (or in a private sale)
- Focus on the right vehicle, not the “what if” math
Get Pre-Approved / Apply Online
Quick FAQs
No—rates are based on creditworthiness, term, and vehicle factors. “As low as” means well-qualified borrowers may be eligible for the lowest APR.
Not necessarily. Your first payment may be deferred, but interest may still accrue during the deferral period depending on your loan terms.
Ask about setting up AutoPay and any available discounts. The lowest advertised rate may include an AutoPay-related discount.
Ready to Drive?
If you’re planning to buy soon, don’t wait until you’re sitting in the dealership finance office (they love that move, because it works). Get started with PDCU today.
Disclosures: APR = Annual Percentage Rate. Rates are subject to change and may vary based on creditworthiness, term, and collateral. Membership and eligibility requirements apply; all loans subject to approval. “As low as” rate may include a 0.25% APR discount for AutoPay; AutoPay discount requirements apply. For used vehicles, rate adjustments may apply for certain titles/vehicle ages. Payment deferral (“no payments for 90 days”) is available to current members approved for an auto loan; interest may accrue during the deferral period. Contact People Driven Credit Union for full details.
Ready to Drive? Here Is How to Get Started.
Rates as low as 4.74% APR. Terms up to 72 months. No payments for 90 days for approved current members. Apply online or explore the full loan details before you commit.
Apply for a PDCU Auto Loan
Get pre-approved online in minutes before you visit a dealership or close a private sale. Applying early puts you in control of the deal. All loans subject to credit approval and membership eligibility.
Explore Auto Loan Details
Want to review rates, terms, and what to expect before you apply? See the full PDCU auto loan page for new and used vehicle financing options, refinancing details, and everything covered under the 2026 Auto Loan Special.
APR = Annual Percentage Rate. Rates as low as 4.74% APR subject to change and may vary based on creditworthiness, term, and collateral. “As low as” rate may include a 0.25% APR AutoPay discount. No-payment deferral for 90 days available to current PDCU members approved for an auto loan; interest may accrue during the deferral period. All loans subject to credit approval and membership eligibility. Federally insured by the NCUA. NMLS #776727. 2026 Auto Loan Special
